The Citi Custom Cash Card is a revolutionary cash-back credit card that automatically rewards you with 5% cash back in your top eligible spending category each billing cycle—without requiring activation. With no rotating categories to track, no need to manually enroll in bonus categories, and no annual fee, the Citi Custom Cash Card makes earning cash back effortless and rewarding.
But the benefits don’t stop there! The Citi Custom Cash Card also comes with a $200 sign-up bonus, a long 0% intro APR offer, and access to Citi ThankYou Rewards, allowing you to redeem your cash back in a variety of ways. Plus, with built-in security features, contactless payments, and seamless digital wallet integration, this card is designed for convenience, flexibility, and maximum value. If you want a credit card that works for you by adapting to your spending habits and optimizing your rewards, the Citi Custom Cash Card is the perfect choice!
Incredible Benefits of the Citi Custom Cash Card
5% Cash Back on Your Top Spending Category – Automatically!
Unlike other cash-back credit cards that require you to choose categories or activate bonuses manually, the Citi Custom Cash Card automatically rewards you with 5% cash back on your highest eligible spending category each billing cycle (up to $500 per month). Whether it’s groceries one month, dining the next, or gas when you’re on a road trip, this card effortlessly maximizes your rewards without any extra effort.
Unlimited 1% Cash Back on All Other Purchases
Even outside your top spending category, you’ll still earn 1% cash back on all other purchases. This means that no matter what you buy, you’re always earning rewards with no limits or expiration dates.
$200 Sign-Up Bonus – Easy to Earn!
New cardholders can earn a $200 cash bonus after spending just $1,500 in the first 6 months. That’s an easy and generous welcome offer, especially for a no-annual-fee cash-back card!
0% Intro APR for 15 Months on Purchases and Balance Transfers
If you need to finance a big purchase or transfer an existing balance, the Citi Custom Cash Card offers a 0% intro APR for 15 months on both purchases and balance transfers. This makes it a great option for those looking to save on interest while managing their finances.
No Annual Fee – Enjoy Maximum Rewards for Free
The Citi Custom Cash Card charges no annual fee, meaning you can maximize your rewards and enjoy all the perks without paying a membership cost. It’s a simple and cost-effective way to earn cash back on every purchase.
Flexible Redemption Options with Citi ThankYou Rewards
Your cash back is earned as Citi ThankYou Points, giving you multiple ways to redeem your rewards. You can use them for statement credits, direct deposits, travel, gift cards, shopping at Amazon®, and even PayPal checkout, ensuring maximum flexibility.
Automatic Cash Back Optimization – No Need to Track Categories
Unlike traditional rotating category cards, the Citi Custom Cash Card does all the work for you. Since it automatically adjusts to your highest spending category each month, you don’t have to remember to activate categories or plan your purchases—it’s effortless cash back!
Contactless Payments & Digital Wallet Compatibility
With contactless payment technology, you can tap and go for fast, secure transactions. Plus, the Citi Custom Cash℠ Card is compatible with Apple Pay, Google Pay, and Samsung Pay, allowing for seamless mobile payments anywhere digital wallets are accepted.
Zero Liability Fraud Protection
Your Citi Custom Cash Card comes with Zero Liability Protection, meaning you won’t be responsible for unauthorized transactions. Citi also provides real-time fraud monitoring and alerts, ensuring your financial security at all times.
Extended Warranty & Purchase Protection
When you use your Citi Custom Cash Card for eligible purchases, Citi extends the manufacturer’s warranty and provides purchase protection against damage or theft, giving you extra confidence when making big-ticket purchases.
Worldwide Mastercard Acceptance
As a Mastercard, the Citi Custom Cash Card is accepted at millions of locations worldwide. Whether you’re traveling, shopping online, or making everyday purchases, you can spend with confidence knowing your card is widely accepted.
Who Can Apply for the Citi Custom Cash Card?
To qualify for the Citi Custom Cash Card, applicants must meet the following criteria:
- Be at least 18 years old (or the age of majority in your state)
- Have a valid Social Security Number or ITIN
- Possess a U.S. mailing address
- Have a good to excellent credit score (typically 670 or higher)
- Meet Citi’s income and creditworthiness requirements
This card is ideal for individuals who want a flexible, high-earning cash-back card that adapts to their spending habits without the need for category tracking.
How to Apply for the Citi Custom Cash Card
Applying for the Citi Custom Cash Card is quick and easy. Follow these steps:
- Visit the official website
- Click “Apply Now” – Start your application directly on Citi’s website
- Fill out the online application – Provide your personal and financial details, including income and employment information
- Review and submit your application – Ensure all information is correct before submitting
- Receive an instant decision – Many applicants receive an approval decision within minutes
Apply today and start earning 5% cash back where you spend the most—automatically!
